Insurance forum

UK: Warning over GAP year insurance...

tails101

Joined Travelfish1st April, 2006Location United KingdomPosts: 105

Making the news in the UK at the moment is the case of a 19 y/o who was injured whilst riding a moped in Vietnam. He was wearing a helmet and had a full UK driving licence but not a full UK motorbike licence and so the insurers wouldn't pay out. This clause was apparently contained in page 13 of a 64 page T&C document. It cost his Dad £25 000 to fly him home!

The policy was issued by one of the UK's biggest chemist chains who actually quoted the family £85 000 to fly him home.

Apparently some GAP year insurances do cover riding mopeds as long as you wear a helmet - so if you're heading off on your travels, make sure you're insurance covers everything you need it to!

tails101

Joined Travelfish1st April, 2006Location United KingdomPosts: 105

Thanks Somtam... appreciated.

Another point worth mentioning... if anyone has recently purchased insurance in the UK and subsequently finds it isn't suitable for whatever reason, there is a 14 day cooling off period in which you can cancel the policy and receive a full refund.